Zilch SMS Verification

On this UK pay-later app, Zilch SMS verification can be passed with a virtual number, while identity and credit checks still run on your own details.

Zilch is a London-based payments and buy-now-pay-later app founded in 2018 and regulated by the UK's Financial Conduct Authority. Its Pay Now virtual card earns cashback and rewards, and interest-free plans over 6 weeks or 3 months can be reported to major UK credit reference agencies. Because credit is involved, the account is tied to a real identity and phone number.

A virtual number only receives the SMS code; Zilch then runs identity, address and eligibility checks in your name. The app mainly serves UK residents, so a virtual number makes sense only for keeping your number private at the very first step, and the account should soon be moved to your permanent line.

Instalment reminders, payment notices and security codes go to your phone, so losing a temporary number can leave you unable to manage your plan. Link a credit account to a number you will keep. Plan instalments carefully around your budget, as late payments can harm your credit history.